Call reports 2015
FARMERS SAVINGS BANK — 2015
What FARMERS SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 97,983,000 | 97,685,000 | 98,335,000 | 99,994,000 |
| Total loans | 56,641,000 | 56,783,000 | 57,640,000 | 56,638,000 |
| Allowance for loan losses | 1,492,000 | 1,467,000 | 1,490,000 | 1,223,000 |
| Securities available for sale | 33,038,000 | 32,455,000 | 31,657,000 | 31,039,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,372,000 | 84,058,000 | 82,928,000 | 86,215,000 |
| Interest-bearing deposits | 70,123,000 | 69,651,000 | 68,895,000 | 70,084,000 |
| Noninterest-bearing deposits | 14,249,000 | 14,407,000 | 14,033,000 | 16,131,000 |
| Equity capital | 13,340,000 | 13,134,000 | 13,357,000 | 13,435,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 843,000 | 1,680,000 | 2,523,000 | 3,363,000 |
| Interest expense | 35,000 | 66,000 | 96,000 | 129,000 |
| Net interest income | 808,000 | 1,614,000 | 2,427,000 | 3,234,000 |
| Noninterest income | 229,000 | 420,000 | 621,000 | 797,000 |
| Noninterest expense | 809,000 | 1,586,000 | 2,357,000 | 3,297,000 |
| Provision for loan losses | 0 | 0 | 0 | -250,000 |
| Pretax income | 228,000 | 448,000 | 700,000 | 993,000 |
| Income tax | 70,000 | 137,000 | 215,000 | 307,000 |
| Net income | 158,000 | 311,000 | 485,000 | 686,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,076,000 | 13,002,000 | 13,118,000 | 13,302,000 |
| Total capital | 13,878,000 | 13,820,000 | 13,901,000 | 14,085,000 |
| Risk-weighted assets | 63,541,000 | 64,746,000 | 61,924,000 | 62,160,000 |